Quote:
Originally Posted by rpearlberg
As far as insurance, these need to be added to my homeowners policy, they won't be covered under the regular HO policy, right?
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Regular homeowners may cover a limited amount of "collectibles." Usually around $1000 give or take.
You can get a collectibles rider on your homeowners to increase the amount or buy a separate collectibles policy. I have never filed a claim, but anecdotally I have heard that dealing and valuing your items is typically a better experience with a specialist like Collectibles Insurance Services, rather than having to deal with a general insurer like your homeowners.
http://www.collectinsure.com/
I have had a policy through CIS for years. It's reasonably priced and you only need to itemize individual items valued over $5000. What I really like is the mail loss coverage which often negates the need for me to purchase postal insurance. In effect, the policy pays for itself in this regard.
For the cynical among us, I have no financial interest in this company... Just offering the information as a customer.
